USDA Vs. FHA your options comparison in Hartland, Niagara County, NY

In 2025, the USDA loan limit in Hartland, within Niagara county, NY is set at $336,500, whereas the FHA limit for a single-family home is $472,030.

Utilize the Lendersa® USDA loan calculator for comparing today's top USDA and FHA rates. Assess your income, credit, reserves, and documentation requirements to qualify. Our advanced mortgage calculator offers a side-by-side view of USDA, FHA, Conforming, and VA programs, helping you select the best option in for your financial situation.

Explore loan offers from a broad selection of 100 lenders

2025 Loan Limits and Down Payment Requirements in Hartland, Niagara, NY

Loan Type Loan Limit Down Payment
USDA $336,500 0%
FHA $472,030 3.5%
Conventional Conforming $726,200 3%

Exploring USDA and FHA Loan Options in Hartland, NY

The aim of Lendersa® is to quickly help you secure the optimal USDA or FHA loan without hassle. Choose one of three available starting points, leading to matching lenders and USDA loan programs.

Lendersa USDA loan request and matching results

Defining USDA Loans in NY

A USDA home loan is backed by the Department of Agriculture, known as a USDA rural development loan or USDA mortgage, accessible only in rural areas. Unlike FHA loans, which require a minimum of 3.5% down payment, USDA loans require no down payment at all.

Enter your location to find out if it qualifies for USDA rural housing loan?



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  • AMP Lending is a privately-held mortgage company located in Austin and Katy, Texas. We are a full-service professional mortgage company licensed to provide residential mortgages across the state of Texas. AMP, which offers a host of diverse, flexible mortgage packages for customers with a variety of backgrounds and needs.
  • Chappell Hill Bank
  • 5060 Main Street, Chappell Hill, TX, 77426
  • The Chappell Hill Bank was chartered in 1907 and has operated continuously in the same location in Washington County since its inception. The Bank was originally chartered as Farmers State Bank on September 1907. In 1989 the Articles of Association were officially amended to change the name from Farmers State Bank to Chappell Hill Bank.
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  • The staff of High Plains Bank is committed to helping our customers with their banking needs in a safe and secure manner. High Plains Bank has a drive-up at all locations, online banking, mobile banking and of course you may call each branch at any time of operation and we would be happy to help you.
  • REI Lending Network, LLC.
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  • Truth Lending Services LLC
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  • Priority Home Mortgage L.P
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  • Smart Financial Credit Union
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  • Empowerment Community Development Federal Credit Union
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